The problem is that the rich often lack the courage to use the 5th option. They cower behind their money. Those with sufficient money lack the conviction to use it, thinking that it will disappear. Those with no money clearly understand the value of the 5th option but haven’t the resources to exercise it.

The fifth option is an economic decision to do the right thing. It spreads from you to family, friends, acquaintances, people you have heard of, people you have never heard of, and lovingly back to you. You heard right. Spend money. — Receive love.